There is no world where two equally smart and informed people should agree on the best way to save, spend, and invest money. 

Everyone is different. 

What you want might not be what I want.

What’s fun to you might be miserable to me.

Your family’s different from mine. Your job’s different from mine. You have different life experiences than I do, different role models, different risk tolerances and goals and social ambitions, work-life balance targets, career incentives, on and on.

One of the most important financial skills is figuring out what game you're playing, and playing it -- and only it.